The issue of payment gateway is still an issue to be positioned in the e-commerce industry in Indonesia. That is because this issue is related to the customer trusts the perpetrators of e-commerce, especially enterprises. Ideally, if the company's e-commerce can provide convenience, flexibility and security in payment problems, automatic trust of customers would present itself.

When the talk show "Thursday Commerce" February 28, 2013 and then, Yessie Yosetya D., Senior GM of M Finance, Digital Service, PT XL Axiata, said that the current e-commerce actors is necessary and important to create a mobile platform in the payment in e-commerce , According to him, a large internet penetration is done the people of Indonesia through his mobile device becomes the reason.

"70 percent of Internet penetration in Indonesia was carried out from a mobile. So e-commerce also need to set up a platform in mobile, "he said. He also added to make the public believe in e-commerce, need continuous education. "Education should continue to be made to the community, so they believe that the e-commerce industry we can be trusted," he concluded.

In addition, the payment problems also affect the public trust and also of course the sale itself. According Yessie, it is important for companies to provide e-commerce payment gateway that is easy to use, secure, and access to transaction details. With so customers will feel comfortable in the deal, because given the ease and reliable. And that can make a customer that had only to look around to buy.

"Payment was important, because it can convert from a customer that used only see-see or comparing prices, be bought," said Yessie. For that Yessie add e-commerce actors should also look at the customer factor in determining the payment gateway that will be provided.

XL's new product, the XL Cash tried to answer the challenge. XL cash is made based on "only 44 percent of people in Indonesia who have an account at the bank. XL Cash is here to accommodate and take advantage of opportunities and prospective customers who do not have bank accounts and credit car, "said Yessie.

Through the Cash XL PT XL Axiata also aims to assist the government to achieve Less Cash Society. "The government wants to realize the program, due to money printing and distribution costs are expensive. With the program can certainly minimize them, "he explained.